City Report · CA

Coto De Caza

Pop. 15,190·4th most expensive in California·One of the pricier rental markets in the US
Median rent (all units)
$8,250/mo
Year-over-Year
Stable
Month-over-Month
+3.1%
vs US Median
+$6,318
Reported rents
Rising (Monthly)
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Most AffordableMost Expensive
Coto De Caza · $8,250
More expensive than 100% of US cities · National median $1,932/mo
Affordability
41% of income
STRETCHED
0%30% benchmark60%+

At $8,250/mo, rent takes about 41% of the local median household income, well above the 30% benchmark.

Income to afford
$330,000/yr
Local median income
$243,816/yr
Based on the 30%-of-income rule using Coto De Caza's median rent and household income. See the full affordability breakdown →
Medians by bedroom

Rent by unit size

Studio
$3,070
1 BR
$3,200
2 BR
$3,790
3 BR
$5,130
4 BR+
$6,130
Fair Market Rent (HUD)
$3,790/mo

These are HUD Fair Market Rents, the payment standard for a Housing Choice Voucher (Section 8). They often differ from the $8,250 market median above, and that is expected: FMR is the 40th percentile of standard-quality units and counts gross rent, so it includes essential utilities such as electricity, water, gas, sewer, and trash. The market median is asking rent, which usually excludes utilities. HUD sets FMR once a year; market rent here updates monthly.

Source: HUD Small Area Fair Market Rents. Read the methodology →

Rent trends

12-month history

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Last updated: September 25, 2026

From the history

What the numbers show

What a typical income covers

30% of the median household income ($243,816) is $6,095 a month. That covers HUD's Fair Market Rent for up to a 3-bedroom ($5,130); a 4-bedroom is $6,130.

From Zillow's monthly rent index (ZORI) for Coto De Caza. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost
$99,000/yr
At $8,250/mo median
Rent Market Meter
Strong Landlord's Market
Renter's MarketBalancedLandlord's Market
Rents are up 0.0% year-over-year. Expect competition, and move quickly to lock in terms.
Based on rent-price momentum (+0.0% YoY, +3.1% MoM), not inventory.
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Demographics

Who lives here

Coto De Caza, CA is majority owner-occupied, has a median income above the national average, 67.1% of residents hold a bachelor's degree or higher.

Population
15,190
Median income
$243,816
Median age
45.7
Renters
7.4%
Age distribution
21.7%
18.4%
26.4%
17.6%
16%
Under 1821.7%
18–3418.4%
35–5426.4%
55–6417.6%
65+16%
Gender
50%
50%
Male50%
Female50%
Race & ethnicity
73.7%
14%
White73.7%
Black1.3%
Hispanic14%
Asian8.7%
Other2.2%
Education (25+)
21.8%
67.1%
No HS diploma1.2%
HS diploma9.9%
Some college21.8%
Bachelor's+67.1%
Housing tenure
92.6%
Owner92.6%
Renter7.4%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2021 vs 2026

How Coto De Caza, CA has changed in 5 years

Income
$210,990 → $243,816
up 15.6%
Population
15,873 → 15,190
down 4.3%
Renter share
8.9% → 7.4%
-1.5 pts
Bachelor's+
64.6% → 67.1%
+2.5 pts

Census figures show median household income at $243,816 today, compared with $210,990 five years earlier. Census counts show Coto De Caza, CA losing about 683 residents over the five-year window, down 4.3% on net. The renter share has eased from 8.9% to 7.4%, with owner-occupied housing accounting for the remainder. Bachelor's-degree-or-higher attainment moved from 64.6% to 67.1% across the same window.

Community

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View Coto De Caza rent history (2015–2026) →
Salary vs rent

Can you afford rent in Coto De Caza on your salary?

At $8,250/mo, how Coto De Caza rent compares to typical pay (30% rule).

By apartment size

Coto De Caza rent by bedroom count

Median rent for each apartment size in Coto De Caza. Click any size for full breakdown.

Local insights

Tips for renters in Coto De Caza

About renting in Coto De Caza, CA

Last updated: September 25, 2026

The median rent in Coto De Caza is $8,250/mo as of September 2026. A studio apartment averages $3,070/mo while a 2-bedroom runs $3,790/mo. One-bedroom apartments average $3,200/mo and 3-bedroom units go for $5,130/mo.

At 41% of local median household income ($243,816/yr), Coto De Caza ranks as moderate compared to the national benchmark of 30%. Rent prices have stayed steady over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in Coto De Caza?

To keep rent at or below 30% of gross income, you would need to earn at least $330,000/year (about $159/hour full-time) to afford the median rent of $8,250/mo in Coto De Caza. The local median household income is $243,816/yr, so the typical household falls short of that bar.

Is rent going up or down in Coto De Caza?

Rent in Coto De Caza has been roughly flat over the past year, a 0.0% change.

How does Coto De Caza rent compare to other cities in California?

Coto De Caza is one of the pricier among California cities for rent, ranking #4 of 383 tracked cities at $8,250/mo.

Which nearby cities are cheaper to rent in than Coto De Caza?

Nearby cities with lower median rent than Coto De Caza ($8,250/mo) include Rancho Santa Margarita ($2,849/mo), Laguna Hills ($3,029/mo), and Lake Forest ($3,166/mo).
Income Affordability
41%
STRETCHED

At $8,250/mo, rent takes ~41% of Coto De Caza's median household income ($243,816/yr). The standard benchmark is 30%.

Coto De Caza 41%Benchmark 30%
State income tax1–13.3%
Run the Coto De Caza affordability calculator →
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Neighborhoods

Estimated from ZIP-level data

Schools nearby

Public schools near Coto De Caza, CA

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